
What follows is in LaTeX tabular format


------------------------------------------------

TABLE 1: BALANCE UNIVERSE

 Outcome & Param & se & Nonparam & se \\  

\phantom{xx}Applicant\_deployed? & 0.699\sym{***} & (0.024) & 0.686\sym{***} & (0.025) \\ 
\phantom{xx}Age & -0.320\sym{***} & (0.319) & -0.309\sym{***} & (0.438) \\ 
\phantom{xx}Female? & -0.003\sym{***} & (0.029) & 0.007\sym{***} & (0.031) \\ 
\phantom{xx}College\_grad.? & 0.083\sym{***} & (0.034) & 0.062\sym{***} & (0.037) \\ 
\phantom{xx}Months\_experience & -1.813\sym{***} & (3.929) & 2.245\sym{***} & (7.521) \\ 
\phantom{xx}Employed? & -0.025\sym{***} & (0.032) & 0.008\sym{***} & (0.061) \\ 
\phantom{xx}Married? & -0.006\sym{***} & (0.035) & -0.017\sym{***} & (0.038) \\ 
\phantom{xx}Test\_batch\_1 & -0.017\sym{***} & (0.009) & -0.013\sym{***} & (0.010) \\ 
\phantom{xx}Test\_batch\_2 & 0.006\sym{***} & (0.025) & -0.006\sym{***} & (0.028) \\ 
\phantom{xx}Test\_batch\_3 & 0.002\sym{***} & (0.032) & 0.065\sym{***} & (0.060) \\ 
\phantom{xx}Test\_batch\_4 & 0.028\sym{***} & (0.034) & 0.005\sym{***} & (0.065) \\ 
\phantom{xx}Test\_batch\_5 & -0.018\sym{***} & (0.026) & -0.027\sym{***} & (0.028) \\ 


------------------------------------------------

TABLE 2: BALANCE SAMPLE

 Outcome & Param & se & Nonparam & se \\  

\phantom{xx}Applicant\_deployed? & 0.677\sym{***} & (0.042) & 0.683\sym{***} & (0.041) \\ 
\phantom{xx}Anyone\_now\_in\_Korea? & 0.404\sym{***} & (0.053) & 0.402\sym{***} & (0.054) \\ 
\phantom{xx}Anyone\_ever\_in\_Korea? & 0.492\sym{***} & (0.053) & 0.480\sym{***} & (0.055) \\ 
\phantom{xx}Anyone\_now\_abroad? & 0.262\sym{***} & (0.058) & 0.256\sym{***} & (0.061) \\ 
\phantom{xx}Anyone\_ever\_abroad? & 0.222\sym{***} & (0.051) & 0.199\sym{***} & (0.052) \\ 
\phantom{xx}Age & 0.615 & (0.544) & 0.450 & (0.556) \\ 
\phantom{xx}Female? & -0.050 & (0.050) & 0.006 & (0.052) \\ 
\phantom{xx}College\_grad.? & 0.035 & (0.058) & -0.031 & (0.059) \\ 
\phantom{xx}Months\_experience & 2.438 & (6.573) & 10.933 & (6.808) \\ 
\phantom{xx}Employed? & -0.005 & (0.054) & 0.042 & (0.053) \\ 
\phantom{xx}Married? & -0.003 & (0.061) & 0.025 & (0.110) \\ 
\phantom{xx}Region:\_NCR & -0.003 & (0.052) & -0.034 & (0.049) \\ 
\phantom{xx}Region:\_Luzon & -0.017 & (0.059) & 0.012 & (0.058) \\ 
\phantom{xx}Region:\_Visayas & 0.010 & (0.034) & 0.014 & (0.037) \\ 
\phantom{xx}Region:\_Mindanao & 0.011 & (0.021) & 0.008 & (0.024) \\ 
\phantom{xx}Test\_batch\_1 & -0.022 & (0.016) & -0.019 & (0.016) \\ 
\phantom{xx}Test\_batch\_2 & 0.000 & (0.042) & -0.076 & (0.077) \\ 
\phantom{xx}Test\_batch\_3 & -0.038 & (0.055) & 0.071 & (0.099) \\ 
\phantom{xx}Test\_batch\_4 & 0.078 & (0.060) & 0.009 & (0.107) \\ 
\phantom{xx}Test\_batch\_5 & -0.018 & (0.047) & -0.010 & (0.048) \\ 


------------------------------------------------

TABLE 3a: HOUSEHOLD EFFECTS: INCOME

 Outcome & Param ITT & se & Param TOT & se & Nonparam ITT & se & Nonparam TOT & se \\  

if hh_data
\textit{asinh}\_All\_income\_(incl.\_Korea) & 0.483\sym{\*} & (0.273) & 0.981\sym{\*} & (0.535) & 0.031 & (0.489) & 0.068 & (1.065) \\ 
\textit{asinh}\_All\_income\_(excl.\_Korea) & -0.081 & (0.208) & -0.163 & (0.419) & -0.056 & (0.295) & -0.116 & (0.616) \\ 
using -ivreg- to estimate due to failure of -suest-
\phantom{xx}Remittance\_inc.\_only & 2.179\sym{***} & (0.594) & 4.423\sym{***} & (1.124) & 2.376\sym{***} & (0.616) & 4.949\sym{***} & (1.209) \\ 
\phantom{xx}Non-remittance\_inc.\_only & -0.786\sym{**} & (0.317) & -1.595\sym{**} & (0.645) & -0.705\sym{**} & (0.331) & -1.469\sym{**} & (0.692) \\ 
\phantom{xxxx}Wage\_inc.\_only & -1.520\sym{**} & (0.617) & -3.086\sym{**} & (1.234) & -0.637 & (1.128) & -1.398 & (2.423) \\ 
\phantom{xxxx}Business\_inc.\_only,\_agr. & -0.323 & (0.294) & -0.655 & (0.594) & -0.526 & (0.340) & -1.096 & (0.715) \\ 
\phantom{xxxx}Business\_inc.\_only,\_non-agr. & -0.145 & (0.334) & -0.295 & (0.672) & -0.751 & (0.636) & -1.640 & (1.415) \\ 
if hh_data & applicant_married
using -ivreg- to estimate due to failure of -suest-
\textit{asinh}\_All\_income\_(incl.\_Korea) & 0.205 & (0.398) & 0.434 & (0.818) & 0.679\sym{\*} & (0.369) & 1.354\sym{\*} & (0.722) \\ 
\textit{asinh}\_All\_income\_(excl.\_Korea) & -0.250 & (0.348) & -0.531 & (0.734) & 0.411 & (0.639) & 0.915 & (1.419) \\ 
\phantom{xx}Remittance\_inc.\_only & 2.043\sym{**} & (0.902) & 4.333\sym{**} & (1.762) & 2.968\sym{***} & (0.916) & 5.923\sym{***} & (1.757) \\ 
\phantom{xx}Non-remittance\_inc.\_only & -1.427\sym{***} & (0.519) & -3.027\sym{***} & (1.118) & -1.014 & (0.857) & -2.246 & (1.918) \\ 
\phantom{xxxx}Wage\_inc.\_only & -1.597\sym{\*} & (0.918) & -3.388\sym{\*} & (1.865) & 0.581 & (1.650) & 1.289 & (3.750) \\ 
\phantom{xxxx}Business\_inc.\_only,\_agr. & -0.703\sym{\*} & (0.405) & -1.492\sym{\*} & (0.871) & -0.930\sym{**} & (0.473) & -1.857\sym{\*} & (0.981) \\ 
\phantom{xxxx}Business\_inc.\_only,\_non-agr. & -0.262 & (0.521) & -0.556 & (1.084) & -0.614 & (0.968) & -1.371 & (2.189) \\ 
if hh_data & !applicant_married
\textit{asinh}\_All\_income\_(incl.\_Korea) & 0.628 & (0.392) & 1.240\sym{\*} & (0.743) & -0.386 & (0.678) & -0.840 & (1.524) \\ 
\textit{asinh}\_All\_income\_(excl.\_Korea) & 0.037 & (0.250) & 0.074 & (0.486) & -0.398 & (0.373) & -0.865 & (0.836) \\ 
\phantom{xx}Remittance\_inc.\_only & 2.218\sym{***} & (0.808) & 4.379\sym{***} & (1.482) & 1.114 & (1.447) & 2.433 & (2.990) \\ 
\phantom{xx}Non-remittance\_inc.\_only & -0.199 & (0.391) & -0.393 & (0.760) & -0.723 & (0.664) & -1.580 & (1.477) \\ 
\phantom{xxxx}Wage\_inc.\_only & -1.621\sym{\*} & (0.838) & -3.200\sym{\*} & (1.634) & -1.623 & (1.530) & -3.559 & (3.276) \\ 
\phantom{xxxx}Business\_inc.\_only,\_agr. & 0.048 & (0.431) & 0.094 & (0.838) & -0.615 & (0.849) & -1.330 & (1.877) \\ 
\phantom{xxxx}Business\_inc.\_only,\_non-agr. & -0.054 & (0.443) & -0.108 & (0.861) & -0.864 & (0.845) & -1.881 & (1.865) \\ 



------------------------------------------------

TABLE 3b: HOUSEHOLD EFFECTS: EXPENDITURE

 Outcome & Param ITT & se & Param TOT & se & Nonparam ITT & se & Nonparam TOT & se \\  

if hh_data
\emph{asinh}\_Expenditures:\_Total & 0.179\sym{**} & (0.073) & 0.364\sym{**} & (0.147) & 0.129 & (0.124) & 0.280 & (0.271) \\ 
\phantom{xx}Food & 0.026 & (0.090) & 0.053 & (0.181) & 0.004 & (0.079) & 0.009 & (0.165) \\ 
\phantom{xx}Quality\_of\_life & 0.181\sym{**} & (0.078) & 0.368\sym{**} & (0.158) & 0.146\sym{\*} & (0.078) & 0.304\sym{\*} & (0.162) \\ 
\phantom{xx}Educ.\_\&\_health & 1.182\sym{***} & (0.317) & 2.399\sym{***} & (0.661) & 0.977\sym{***} & (0.322) & 2.035\sym{***} & (0.679) \\ 
\phantom{xx}Durables & 0.382 & (0.445) & 0.776 & (0.893) & 0.571 & (0.794) & 1.250 & (1.738) \\ 
\emph{asinh}\_Savings & 0.887\sym{\*} & (0.471) & 1.800\sym{\*} & (0.963) & 0.801 & (0.490) & 1.668 & (1.030) \\ 
Borrowed\_from\_family\_for\_business? & -0.053 & (0.045) & -0.107 & (0.091) & -0.081\sym{\*} & (0.044) & -0.169\sym{\*} & (0.094) \\ 
Borrowed\_from\_non-family\_for\_business? & -0.027 & (0.038) & -0.055 & (0.076) & 0.086 & (0.071) & 0.188 & (0.159) \\ 
Borrowed\_from\_family\_for\_non-bus.? & -0.034\sym{**} & (0.015) & -0.068\sym{**} & (0.032) & -0.034\sym{**} & (0.017) & -0.072\sym{**} & (0.036) \\ 
Borrowed\_from\_non-family\_for\_non-business? & -0.050 & (0.041) & -0.101 & (0.081) & -0.047 & (0.042) & -0.097 & (0.087) \\ 
if hh_data & applicant_married
\emph{asinh}\_Expenditures:\_Total & 0.117 & (0.106) & 0.247 & (0.221) & 0.161 & (0.105) & 0.321 & (0.209) \\ 
\phantom{xx}Food & 0.008 & (0.154) & 0.018 & (0.321) & -0.044 & (0.206) & -0.097 & (0.459) \\ 
\phantom{xx}Quality\_of\_life & 0.088 & (0.105) & 0.186 & (0.218) & 0.144 & (0.108) & 0.287 & (0.214) \\ 
using -ivreg- to estimate due to failure of -suest-
\phantom{xx}Educ.\_\&\_health & 0.912\sym{**} & (0.430) & 1.935\sym{**} & (0.940) & 0.711\sym{\*} & (0.423) & 1.418 & (0.870) \\ 
\phantom{xx}Durables & -0.300 & (0.663) & -0.637 & (1.393) & 0.815 & (1.173) & 1.810 & (2.602) \\ 
\emph{asinh}\_Savings & -0.234 & (0.728) & -0.496 & (1.516) & 0.544 & (1.349) & 1.205 & (3.042) \\ 
using -ivreg- to estimate due to failure of -suest-
Borrowed\_from\_family\_for\_business? & -0.108 & (0.073) & -0.229 & (0.154) & -0.136\sym{**} & (0.068) & -0.270\sym{\*} & (0.140) \\ 
Borrowed\_from\_non-family\_for\_business? & -0.073 & (0.062) & -0.154 & (0.133) & 0.107 & (0.116) & 0.237 & (0.256) \\ 
Borrowed\_from\_family\_for\_non-bus.? & -0.055\sym{**} & (0.023) & -0.116\sym{**} & (0.053) & -0.028 & (0.059) & -0.061 & (0.132) \\ 
Borrowed\_from\_non-family\_for\_non-business? & -0.107\sym{\*} & (0.063) & -0.226\sym{\*} & (0.132) & -0.042 & (0.121) & -0.092 & (0.267) \\ 
if hh_data & !applicant_married
\emph{asinh}\_Expenditures:\_Total & 0.231\sym{**} & (0.100) & 0.457\sym{**} & (0.198) & 0.086 & (0.169) & 0.186 & (0.359) \\ 
\phantom{xx}Food & 0.045 & (0.111) & 0.088 & (0.216) & -0.057 & (0.109) & -0.125 & (0.237) \\ 
\phantom{xx}Quality\_of\_life & 0.247\sym{**} & (0.111) & 0.487\sym{**} & (0.222) & 0.169 & (0.194) & 0.365 & (0.417) \\ 
\phantom{xx}Educ.\_\&\_health & 1.425\sym{***} & (0.461) & 2.813\sym{***} & (0.921) & 1.192\sym{**} & (0.472) & 2.603\sym{**} & (1.029) \\ 
\phantom{xx}Durables & 0.951 & (0.608) & 1.879 & (1.194) & 0.406 & (1.076) & 0.878 & (2.320) \\ 
\emph{asinh}\_Savings & 1.738\sym{***} & (0.599) & 3.432\sym{***} & (1.245) & 1.247\sym{**} & (0.616) & 2.722\sym{**} & (1.387) \\ 
Borrowed\_from\_family\_for\_business? & -0.003 & (0.059) & -0.006 & (0.114) & -0.022 & (0.105) & -0.047 & (0.226) \\ 
Borrowed\_from\_non-family\_for\_business? & -0.003 & (0.049) & -0.006 & (0.094) & 0.060 & (0.086) & 0.130 & (0.192) \\ 
Borrowed\_from\_family\_for\_non-bus.? & -0.015 & (0.021) & -0.030 & (0.041) & -0.049 & (0.047) & -0.109 & (0.104) \\ 
Borrowed\_from\_non-family\_for\_non-business? & -0.009 & (0.053) & -0.018 & (0.103) & -0.003 & (0.101) & -0.007 & (0.221) \\ 



------------------------------------------------

TABLE 4: INDIVIDUAL EFFECTS: ADULTS

 Outcome & Param ITT & se & Param TOT & se & Nonparam ITT & se & Nonparam TOT & se \\  

if applicant
\phantom{xx}Worked\_in\_past\_6\_months? & 0.024 & (0.044) & 0.048 & (0.087) & -0.031 & (0.083) & -0.069 & (0.181) \\ 
\phantom{xx}Days\_worked,\_previous\_mo. & 0.656 & (0.444) & 1.126 & (0.750) & 0.693 & (1.070) & 1.559 & (2.379) \\ 
\phantom{xx}Any\_wage\_income? & 0.071 & (0.057) & 0.142 & (0.113) & 0.068 & (0.107) & 0.148 & (0.233) \\ 
\phantom{xx}\emph{asinh}\_wage\_income & 2.523\sym{***} & (0.618) & 5.065\sym{***} & (1.146) & 2.602\sym{***} & (0.663) & 5.397\sym{***} & (1.239) \\ 
using -ivreg- to estimate due to failure of -suest-
\phantom{xx}Now\_in\_Korea? & 0.432\sym{***} & (0.051) & 0.868\sym{***} & (0.081) & 0.406\sym{***} & (0.054) & 0.842\sym{***} & (0.085) \\ 
using -ivreg- to estimate due to failure of -suest-
\phantom{xx}Now\_abroad? & 0.310\sym{***} & (0.058) & 0.622\sym{***} & (0.110) & 0.284\sym{***} & (0.061) & 0.589\sym{***} & (0.119) \\ 
if nonapp_adult
\phantom{xx}Worked\_in\_past\_6\_months? & -0.047\sym{\*} & (0.027) & -0.094\sym{\*} & (0.054) & 0.004 & (0.049) & 0.008 & (0.101) \\ 
\phantom{xx}Days\_worked,\_previous\_mo. & -0.002 & (0.701) & -0.003 & (1.174) & 0.175 & (0.739) & 0.302 & (1.270) \\ 
\phantom{xx}Any\_wage\_income? & -0.023 & (0.023) & -0.046 & (0.045) & 0.003 & (0.041) & 0.005 & (0.084) \\ 
\phantom{xx}\emph{asinh}\_wage\_income & -0.319 & (0.200) & -0.635 & (0.398) & -0.203 & (0.361) & -0.415 & (0.738) \\ 
\phantom{xx}Now\_in\_Korea? & 0.005 & (0.006) & 0.011 & (0.011) & 0.008 & (0.005) & 0.017 & (0.011) \\ 
\phantom{xx}Now\_abroad? & 0.008 & (0.012) & 0.017 & (0.024) & 0.023 & (0.022) & 0.046 & (0.044) \\ 
if spouse_of_applicant
\phantom{xx}Worked\_in\_past\_6\_months? & -0.111 & (0.085) & -0.221 & (0.167) & 0.012 & (0.157) & 0.025 & (0.336) \\ 
\phantom{xx}Days\_worked,\_previous\_mo. & 0.814 & (1.907) & 1.001 & (2.180) & 0.788 & (3.092) & 0.882 & (3.381) \\ 
\phantom{xx}Any\_wage\_income? & -0.089 & (0.081) & -0.177 & (0.163) & 0.129 & (0.140) & 0.276 & (0.311) \\ 
\phantom{xx}\emph{asinh}\_wage\_income & -0.989 & (0.750) & -1.969 & (1.499) & 0.598 & (1.295) & 1.294 & (2.843) \\ 
\phantom{xx}Now\_in\_Korea? & -0.018 & (0.024) & -0.036 & (0.049) & 0.037 & (0.047) & 0.079 & (0.097) \\ 
\phantom{xx}Now\_abroad? & 0.005 & (0.039) & 0.009 & (0.076) & 0.075 & (0.065) & 0.162 & (0.141) \\ 



------------------------------------------------

TABLE 5: INDIVIDUAL EFFECTS: CHILDREN
** Note that rows are in a different order in the printed table

 Outcome & Param ITT & se & Param TOT & se & Nonparam ITT & se & Nonparam TOT & se \\  

if anyones_child_schoolage
In\_school? & 0.002 & (0.034) & 0.005 & (0.080) & -0.019 & (0.061) & -0.050 & (0.158) \\ 
\phantom{xxx}\emph{if\_so,\_private\_facility?} & 0.121\sym{**} & (0.056) & 0.296\sym{**} & (0.142) & 0.147\sym{***} & (0.056) & 0.344\sym{**} & (0.142) \\ 
\phantom{xxx}\emph{Awards\_at\_school} & 0.160 & (0.455) & 0.392 & (1.105) & 0.506 & (0.410) & 1.185 & (0.969) \\ 
if child_applicant_schoolage
In\_school? & 0.043 & (0.045) & 0.090 & (0.094) & -0.001 & (0.079) & -0.001 & (0.209) \\ 
\phantom{xxx}\emph{if\_so,\_private\_facility?} & 0.110 & (0.077) & 0.245 & (0.169) & 0.175\sym{**} & (0.075) & 0.392\sym{**} & (0.182) \\ 
\phantom{xxx}\emph{Awards\_at\_school} & 0.686 & (0.726) & 1.527 & (1.590) & 1.168\sym{\*} & (0.642) & 2.615\sym{\*} & (1.453) \\ 
if anyones_child
Visited\_health\_facility\_past\_mo.? & -0.023 & (0.034) & -0.051 & (0.075) & 0.032 & (0.060) & 0.078 & (0.146) \\ 
using -ivreg- to estimate due to failure of -suest-
\phantom{xxx}\emph{if\_so,\_private\_facility?} & 0.237\sym{\*} & (0.125) & 0.390\sym{\*} & (0.203) & 0.379\sym{***} & (0.129) & 0.581\sym{***} & (0.221) \\ 
Working? & -0.003 & (0.007) & -0.007 & (0.014) & -0.001 & (0.007) & -0.003 & (0.016) \\ 
Does\_anyone\_read\_to\_child? & 0.012 & (0.048) & 0.027 & (0.105) & 0.026 & (0.049) & 0.056 & (0.108) \\ 
Desired\_years\_of\_education & 0.665 & (0.528) & 1.474 & (1.160) & 0.517 & (0.520) & 1.137 & (1.137) \\ 
if child_applicant
Visited\_health\_facility\_past\_mo.? & -0.013 & (0.048) & -0.026 & (0.094) & -0.056 & (0.085) & -0.159 & (0.244) \\ 
\phantom{xxx}\emph{if\_so,\_private\_facility?} & 0.330\sym{\*} & (0.194) & 0.629\sym{\*} & (0.377) & 0.327\sym{**} & (0.167) & 0.517\sym{\*} & (0.283) \\ 
Working? & -0.010 & (0.007) & -0.020 & (0.014) & -0.010 & (0.010) & -0.020 & (0.020) \\ 
Does\_anyone\_read\_to\_child? & -0.098 & (0.065) & -0.193 & (0.130) & -0.066 & (0.067) & -0.136 & (0.139) \\ 
Desired\_years\_of\_education & 0.962 & (0.699) & 1.898 & (1.361) & 0.257 & (0.876) & 0.557 & (1.896) \\ 



------------------------------------------------

TABLE 6: APPLICANT EFFECTS: DECISIONS

 Outcome & Param ITT & se & Param TOT & se & Nonparam ITT & se & Nonparam TOT & se \\  

if applicant
\phantom{xx}Decisions:\_\emph{childcare} & -0.121\sym{**} & (0.056) & -0.242\sym{**} & (0.113) & -0.079 & (0.107) & -0.175 & (0.237) \\ 
\phantom{xx}Decisions:\_\emph{home\_repairs} & -0.058 & (0.058) & -0.117 & (0.115) & -0.094 & (0.108) & -0.205 & (0.239) \\ 
\phantom{xx}Decisions:\_\emph{major\_purchases} & -0.126\sym{**} & (0.058) & -0.252\sym{**} & (0.116) & -0.137\sym{**} & (0.062) & -0.285\sym{**} & (0.129) \\ 
\phantom{xx}Decisions:\_\emph{entrepreneurship} & -0.134\sym{**} & (0.060) & -0.270\sym{**} & (0.119) & -0.081 & (0.111) & -0.177 & (0.245) \\ 
\phantom{xx}Decisions:\_\emph{weekend\_activities} & -0.163\sym{***} & (0.058) & -0.328\sym{***} & (0.116) & -0.153\sym{**} & (0.060) & -0.318\sym{**} & (0.126) \\ 
if applicant & applicant_married
using -ivreg- to estimate due to failure of -suest-
\phantom{xx}Decisions:\_\emph{childcare} & -0.280\sym{***} & (0.087) & -0.596\sym{***} & (0.203) & -0.307\sym{***} & (0.087) & -0.635\sym{***} & (0.212) \\ 
\phantom{xx}Decisions:\_\emph{home\_repairs} & -0.192\sym{**} & (0.090) & -0.409\sym{**} & (0.196) & -0.246 & (0.165) & -0.582 & (0.446) \\ 
\phantom{xx}Decisions:\_\emph{major\_purchases} & -0.316\sym{***} & (0.089) & -0.674\sym{***} & (0.209) & -0.280\sym{***} & (0.091) & -0.579\sym{***} & (0.214) \\ 
\phantom{xx}Decisions:\_\emph{entrepreneurship} & -0.313\sym{***} & (0.090) & -0.668\sym{***} & (0.209) & -0.183 & (0.164) & -0.432 & (0.406) \\ 
\phantom{xx}Decisions:\_\emph{weekend\_activities} & -0.323\sym{***} & (0.089) & -0.688\sym{***} & (0.205) & -0.307\sym{***} & (0.090) & -0.635\sym{***} & (0.208) \\ 
if applicant & !applicant_married
\phantom{xx}Decisions:\_\emph{childcare} & 0.023 & (0.075) & 0.044 & (0.143) & 0.116 & (0.133) & 0.242 & (0.290) \\ 
\phantom{xx}Decisions:\_\emph{home\_repairs} & 0.049 & (0.077) & 0.095 & (0.147) & 0.021 & (0.136) & 0.043 & (0.282) \\ 
\phantom{xx}Decisions:\_\emph{major\_purchases} & 0.033 & (0.078) & 0.064 & (0.149) & 0.001 & (0.142) & 0.001 & (0.294) \\ 
\phantom{xx}Decisions:\_\emph{entrepreneurship} & 0.007 & (0.080) & 0.013 & (0.151) & -0.004 & (0.144) & -0.009 & (0.295) \\ 
\phantom{xx}Decisions:\_\emph{weekend\_activities} & -0.014 & (0.077) & -0.028 & (0.145) & 0.057 & (0.137) & 0.120 & (0.294) \\ 



------------------------------------------------

TABLE 7: GELBACH DECOMPOSITION: EXPENDITURE

 Outcome & Delta1 & se & Delta2 & se & Delta3 & se  \\  

if hh_data
\emph{asinh}\_Expenditures:\_Total & 0.035\sym{***} & (0.009) & -0.034\sym{**} & (0.014) & 0.009\sym{\*} & (0.005)  \\ 
\phantom{xx}Food & 0.016\sym{***} & (0.004) & -0.026\sym{**} & (0.011) & -0.006 & (0.011)  \\ 
\phantom{xx}Quality\_of\_life & 0.042\sym{***} & (0.011) & -0.035\sym{**} & (0.014) & 0.015\sym{**} & (0.006)  \\ 
\phantom{xx}Educ.\_\&\_health & 0.082\sym{***} & (0.021) & -0.033\sym{**} & (0.014) & 0.031 & (0.019)  \\ 
\phantom{xx}Durables & 0.120\sym{***} & (0.031) & -0.100\sym{**} & (0.041) & 0.008 & (0.020)  \\ 
\emph{asinh}\_Savings & 0.181\sym{***} & (0.047) & -0.133\sym{**} & (0.054) & 0.031 & (0.033)  \\ 
Borrowed\_from\_family\_for\_business? & -0.015\sym{***} & (0.004) & 0.001\sym{**} & (0.000) & -0.014\sym{\*} & (0.007)  \\ 
Borrowed\_from\_non-family\_for\_business? & -0.007\sym{***} & (0.002) & 0.000\sym{**} & (0.000) & 0.001 & (0.003)  \\ 
Borrowed\_from\_family\_for\_non-bus.? & -0.002\sym{***} & (0.001) & 0.003\sym{**} & (0.001) & -0.003 & (0.002)  \\ 
Borrowed\_from\_non-family\_for\_non-business? & -0.007\sym{***} & (0.002) & -0.012\sym{**} & (0.005) & 0.001 & (0.001)  \\ 
if hh_data & applicant_married
\emph{asinh}\_Expenditures:\_Total & 0.051\sym{**} & (0.020) & -0.059\sym{***} & (0.021) & 0.038\sym{***} & (0.011)  \\ 
\phantom{xx}Food & 0.049\sym{**} & (0.020) & -0.051\sym{***} & (0.018) & 0.019 & (0.021)  \\ 
\phantom{xx}Quality\_of\_life & 0.067\sym{**} & (0.027) & -0.064\sym{***} & (0.023) & 0.025\sym{\*} & (0.013)  \\ 
\phantom{xx}Educ.\_\&\_health & 0.059\sym{**} & (0.024) & -0.114\sym{***} & (0.041) & 0.079\sym{***} & (0.029)  \\ 
\phantom{xx}Durables & 0.163\sym{**} & (0.066) & -0.225\sym{***} & (0.080) & 0.079 & (0.059)  \\ 
\emph{asinh}\_Savings & 0.185\sym{**} & (0.075) & -0.251\sym{***} & (0.089) & -0.025 & (0.082)  \\ 
Borrowed\_from\_family\_for\_business? & -0.019\sym{**} & (0.008) & 0.001\sym{***} & (0.001) & -0.046\sym{***} & (0.013)  \\ 
Borrowed\_from\_non-family\_for\_business? & -0.002\sym{**} & (0.001) & -0.001\sym{***} & (0.000) & -0.005 & (0.003)  \\ 
Borrowed\_from\_family\_for\_non-bus.? & -0.004\sym{**} & (0.002) & 0.004\sym{***} & (0.001) & -0.005\sym{\*} & (0.003)  \\ 
Borrowed\_from\_non-family\_for\_non-business? & -0.008\sym{**} & (0.003) & -0.018\sym{***} & (0.007) & -0.012\sym{***} & (0.004)  \\ 
if hh_data & !applicant_married
\emph{asinh}\_Expenditures:\_Total & 0.019\sym{***} & (0.007) & -0.010 & (0.019) & 0.007 & (0.008)  \\ 
\phantom{xx}Food & -0.008\sym{***} & (0.003) & -0.008 & (0.014) & -0.005 & (0.021)  \\ 
\phantom{xx}Quality\_of\_life & 0.017\sym{***} & (0.006) & -0.010 & (0.018) & 0.003 & (0.012)  \\ 
\phantom{xx}Educ.\_\&\_health & 0.066\sym{***} & (0.024) & -0.004 & (0.008) & -0.011 & (0.038)  \\ 
\phantom{xx}Durables & 0.051\sym{***} & (0.018) & -0.022 & (0.039) & 0.004 & (0.049)  \\ 
\emph{asinh}\_Savings & 0.140\sym{***} & (0.050) & -0.037 & (0.065) & -0.045 & (0.071)  \\ 
Borrowed\_from\_family\_for\_business? & -0.012\sym{***} & (0.004) & 0.001 & (0.001) & 0.004 & (0.008)  \\ 
Borrowed\_from\_non-family\_for\_business? & -0.011\sym{***} & (0.004) & 0.000 & (0.000) & 0.002 & (0.007)  \\ 
Borrowed\_from\_family\_for\_non-bus.? & 0.000\sym{***} & (0.000) & 0.001 & (0.002) & -0.001 & (0.003)  \\ 
Borrowed\_from\_non-family\_for\_non-business? & -0.007\sym{***} & (0.003) & -0.003 & (0.006) & -0.000 & (0.006)  \\ 

------------------------------------------------
---------------

TABLES 8 AND APPENDIX TABLE 10 ARE SAVED IN STANDALONE .TEX FILES

---------------
---------------

APPENDIX TABLES 1 AND 2 SAVED IN STANDALONE .TEX FILE

---------------

------------------------------------------------

APPENDIX TABLE 3: KOREAN LANGUAGE TEST


      Batch |
  number of |
 exam taken |      Freq.     Percent        Cum.
------------+-----------------------------------
          1 |        411        1.75        1.75
          2 |      2,793       11.91       13.66
          3 |      5,860       24.99       38.66
          4 |      6,998       29.84       68.50
          5 |      7,386       31.50      100.00
------------+-----------------------------------
      Total |     23,448      100.00

      Batch |
  number of |
 exam taken |      Freq.     Percent        Cum.
------------+-----------------------------------
          1 |         62        1.94        1.94
          2 |        431       13.46       15.40
          3 |        982       30.68       46.08
          4 |      1,229       38.39       84.47
          5 |        497       15.53      100.00
------------+-----------------------------------
      Total |      3,201      100.00

------------------------------------------------

------------------------------------------------

APPENDIX TABLE 4: HOUSEHOLD EFFECTS: COMPOSITION

 Outcome & Param ITT & se & Param TOT & se & Nonparam ITT & se & Nonparam TOT & se \\  

if hh_data
using -ivreg- to estimate due to failure of -suest-
\phantom{xx}Frac.\_adult,\_18\_$\leqslant$\_age\_$<$65 & -0.049\sym{\*} & (0.026) & -0.100\sym{\*} & (0.053) & -0.061\sym{**} & (0.030) & -0.127\sym{**} & (0.062) \\ 
\phantom{xx}Frac.\_child,\_age\_$<$\_18 & 0.042\sym{\*} & (0.024) & 0.085\sym{\*} & (0.049) & 0.050\sym{\*} & (0.029) & 0.104\sym{\*} & (0.060) \\ 
using -ivreg- to estimate due to failure of -suest-
using -ivreg- to estimate due to failure of -suest-
\phantom{xx}Frac.\_elderly,\_age\_$\geqslant$\_65 & 0.007 & (0.018) & 0.014 & (0.035) & 0.011 & (0.019) & 0.023 & (0.041) \\ 
using -ivreg- to estimate due to failure of -suest-
\phantom{xx}Frac.\_female,\_18\_$\leqslant$\_age\_$<$\_65} & 0.080\sym{***} & (0.030) & 0.164\sym{***} & (0.058) & 0.100\sym{***} & (0.030) & 0.210\sym{***} & (0.061) \\ 
if hh_data & applicant_married
\phantom{xx}Frac.\_adult,\_18\_$\leqslant$\_age\_$<$65 & -0.017 & (0.039) & -0.037 & (0.080) & -0.055 & (0.066) & -0.122 & (0.144) \\ 
\phantom{xx}Frac.\_child,\_age\_$<$\_18 & 0.004 & (0.038) & 0.008 & (0.080) & 0.026 & (0.068) & 0.057 & (0.148) \\ 
\phantom{xx}Frac.\_elderly,\_age\_$\geqslant$\_65 & 0.014 & (0.017) & 0.029 & (0.037) & 0.019 & (0.018) & 0.039 & (0.036) \\ 
\phantom{xx}Frac.\_female,\_18\_$\leqslant$\_age\_$<$\_65} & 0.092\sym{**} & (0.044) & 0.197\sym{**} & (0.084) & 0.148\sym{***} & (0.046) & 0.297\sym{***} & (0.082) \\ 
if hh_data & !applicant_married
\phantom{xx}Frac.\_adult,\_18\_$\leqslant$\_age\_$<$65 & -0.068\sym{\*} & (0.035) & -0.134\sym{\*} & (0.070) & -0.074\sym{\*} & (0.038) & -0.162\sym{\*} & (0.086) \\ 
\phantom{xx}Frac.\_child,\_age\_$<$\_18 & 0.066\sym{**} & (0.031) & 0.131\sym{**} & (0.062) & 0.069\sym{**} & (0.029) & 0.151\sym{**} & (0.068) \\ 
\phantom{xx}Frac.\_elderly,\_age\_$\geqslant$\_65 & 0.002 & (0.028) & 0.004 & (0.055) & -0.015 & (0.055) & -0.032 & (0.120) \\ 
\phantom{xx}Frac.\_female,\_18\_$\leqslant$\_age\_$<$\_65} & 0.048 & (0.040) & 0.095 & (0.076) & 0.013 & (0.068) & 0.028 & (0.148) \\ 

------------------------------------------------

.         
.         noisily: dis "------------------------------------------------"
------------------------------------------------

.         noisily: dis ""


.         noisily: dis "APPENDIX TABLE 5: MULTIPLE COMPARISONS"                                   // table name
APPENDIX TABLE 5: MULTIPLE COMPARISONS

.         noisily: dis ""


.         
.         mat list pvals_true

pvals_true[1,7]
        hhincome       exp_tot       savings    credit_fam   credit_nonf   cred_nonb_f  cred_nonb_~f
r1     .69824101     .01366393      .0601658     .24133053     .47652055     .02834505     .22252041

.         
.         mat list p_true_sort

p_true_sort[1,7]
           r1         r2         r3         r4         r5         r6         r7
c1  .01366393  .02834505   .0601658  .22252041  .24133053  .47652055  .69824101

.         
.         mat p_fwer_sort = p_fwer'

.         mata : st_matrix("p_fwer_sort", sort(st_matrix("p_fwer_sort"), 1))

.         mat p_fwer_sort = p_fwer_sort'

.         mat list p_fwer_sort

p_fwer_sort[1,7]
      r1    r2    r3    r4    r5    r6    r7
c1  .088  .152  .253  .566  .632  .717  .744

.         

--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

------------------------------------------------

APPENDIX TABLE 7: HOUSEHOLD EFFECTS: INCOME, WITH ALTERNATIVE TREATMENT DEFINITION

         & \multicolumn{2}{c}{Korea, now} & \multicolumn{2}{c}{Any foreign, ever} \\ 
 Outcome & Param TOT & se & Param TOT & se  \\  

if hh_data
\textit{asinh}\_All\_income & -0.201 & (0.520) & -0.371 & (0.963)   \\ 
\phantom{xx}Remittance\_inc.\_only & 5.448\sym{***} & (1.168) & 10.036\sym{***} & (2.536)   \\ 
\phantom{xx}Non-remittance\_inc.\_only & -1.965\sym{**} & (0.798) & -3.620\sym{**} & (1.609)   \\ 
\phantom{xxxx}Wage\_inc.\_only & -3.800\sym{**} & (1.534) & -7.002\sym{**} & (2.976)   \\ 
\phantom{xxxx}Business\_inc.\_only,\_agr. & -0.806 & (0.739) & -1.485 & (1.355)   \\ 
\phantom{xxxx}Business\_inc.\_only,\_non-agr. & -0.363 & (0.825) & -0.669 & (1.527)   \\ 
if hh_data & applicant_married
\textit{asinh}\_All\_income & -0.696 & (0.997) & -1.052 & (1.518)   \\ 
\phantom{xx}Remittance\_inc.\_only & 5.679\sym{***} & (1.907) & 8.588\sym{***} & (3.250)   \\ 
\phantom{xx}Non-remittance\_inc.\_only & -3.967\sym{**} & (1.533) & -6.000\sym{**} & (2.697)   \\ 
\phantom{xxxx}Wage\_inc.\_only & -4.439\sym{\*} & (2.544) & -6.714\sym{\*} & (3.935)   \\ 
\phantom{xxxx}Business\_inc.\_only,\_agr. & -1.956 & (1.188) & -2.958 & (1.824)   \\ 
\phantom{xxxx}Business\_inc.\_only,\_non-agr. & -0.729 & (1.410) & -1.102 & (2.139)   \\ 
if hh_data & !applicant_married
\textit{asinh}\_All\_income & 0.092 & (0.600) & 0.171 & (1.123)   \\ 
\phantom{xx}Remittance\_inc.\_only & 5.418\sym{***} & (1.562) & 10.133\sym{***} & (3.414)   \\ 
\phantom{xx}Non-remittance\_inc.\_only & -0.487 & (0.939) & -0.910 & (1.750)   \\ 
\phantom{xxxx}Wage\_inc.\_only & -3.959\sym{\*} & (2.031) & -7.405\sym{\*} & (3.962)   \\ 
\phantom{xxxx}Business\_inc.\_only,\_agr. & 0.116 & (1.036) & 0.218 & (1.945)   \\ 
\phantom{xxxx}Business\_inc.\_only,\_non-agr. & -0.133 & (1.064) & -0.249 & (1.996)   \\ 

------------------------------------------------

------------------------------------------------

APPENDIX TABLE 7, CONTINUED: HOUSEHOLD EFFECTS: EXPENDITURE, ALTERNATIVE TREATMENT DEFINITION

 Outcome & Param TOT & se \\  

if hh_data
\emph{asinh}\_Expenditures:\_Total & 0.448\sym{**} & (0.184) & 0.825\sym{**} & (0.361)   \\ 
\phantom{xx}Food & 0.065 & (0.223) & 0.119 & (0.410)   \\ 
\phantom{xx}Quality\_of\_life & 0.454\sym{**} & (0.197) & 0.836\sym{**} & (0.389)   \\ 
\phantom{xx}Educ.\_\&\_health & 2.955\sym{***} & (0.836) & 5.445\sym{***} & (1.760)   \\ 
\phantom{xx}Durables & 0.956 & (1.103) & 1.761 & (2.069)   \\ 
\emph{asinh}\_Savings & 2.217\sym{\*} & (1.188) & 4.084\sym{\*} & (2.353)   \\ 
Borrowed\_from\_family\_for\_business? & -0.132 & (0.112) & -0.243 & (0.212)   \\ 
Borrowed\_from\_non-family\_for\_business? & -0.067 & (0.094) & -0.124 & (0.172)   \\ 
Borrowed\_from\_family\_for\_non-bus.? & -0.084\sym{**} & (0.039) & -0.155\sym{**} & (0.078)   \\ 
Borrowed\_from\_non-family\_for\_non-business? & -0.124 & (0.100) & -0.228 & (0.189)   \\ 
if hh_data & applicant_married
\emph{asinh}\_Expenditures:\_Total & 0.324 & (0.284) & 0.490 & (0.446)   \\ 
\phantom{xx}Food & 0.023 & (0.420) & 0.035 & (0.635)   \\ 
\phantom{xx}Quality\_of\_life & 0.244 & (0.282) & 0.368 & (0.433)   \\ 
\phantom{xx}Educ.\_\&\_health & 2.535\sym{\*} & (1.256) & 3.834\sym{\*} & (2.033)   \\ 
\phantom{xx}Durables & -0.835 & (1.824) & -1.263 & (2.769)   \\ 
\emph{asinh}\_Savings & -0.650 & (1.992) & -0.982 & (2.988)   \\ 
Borrowed\_from\_family\_for\_business? & -0.300 & (0.204) & -0.454 & (0.318)   \\ 
Borrowed\_from\_non-family\_for\_business? & -0.202 & (0.172) & -0.306 & (0.269)   \\ 
Borrowed\_from\_family\_for\_non-bus.? & -0.152\sym{\*} & (0.073) & -0.229\sym{\*} & (0.118)   \\ 
Borrowed\_from\_non-family\_for\_non-business? & -0.297 & (0.171) & -0.449 & (0.281)   \\ 
if hh_data & !applicant_married
\emph{asinh}\_Expenditures:\_Total & 0.566\sym{**} & (0.256) & 1.058\sym{**} & (0.522)   \\ 
\phantom{xx}Food & 0.109 & (0.268) & 0.203 & (0.498)   \\ 
\phantom{xx}Quality\_of\_life & 0.602\sym{\*} & (0.286) & 1.127\sym{\*} & (0.586)   \\ 
\phantom{xx}Educ.\_\&\_health & 3.481\sym{**} & (1.186) & 6.510\sym{**} & (2.601)   \\ 
\phantom{xx}Durables & 2.324 & (1.493) & 4.347 & (3.050)   \\ 
\emph{asinh}\_Savings & 4.246\sym{**} & (1.574) & 7.941\sym{**} & (3.514)   \\ 
Borrowed\_from\_family\_for\_business? & -0.007 & (0.141) & -0.014 & (0.265)   \\ 
Borrowed\_from\_non-family\_for\_business? & -0.007 & (0.117) & -0.014 & (0.218)   \\ 
Borrowed\_from\_family\_for\_non-bus.? & -0.037 & (0.051) & -0.068 & (0.097)   \\ 
Borrowed\_from\_non-family\_for\_non-business? & -0.022 & (0.127) & -0.041 & (0.238)   \\ 

------------------------------------------------

------------------------------------------------

APPENDIX TABLE 7, CONTINUED: INDIVIDUAL EFFECTS: ADULTS, ALTERNATIVE TREATMENT DEFINITION

 Outcome & Param TOT & se   \\  

if applicant
\phantom{xx}Worked\_in\_past\_6\_months? & 0.060 & (0.106) & 0.108 & (0.196)   \\ 
\phantom{xx}Days\_worked,\_previous\_mo. & 1.129 & (0.755) & 2.725 & (1.915)   \\ 
\phantom{xx}Any\_wage\_income? & 0.176 & (0.132) & 0.316 & (0.252)   \\ 
\phantom{xx}\emph{asinh}\_wage\_income & 6.280\sym{***} & (1.189) & 11.305\sym{***} & (3.738)   \\ 
if nonapp_adult
\phantom{xx}Worked\_in\_past\_6\_months? & -0.110\sym{\*} & (0.063) & -0.232\sym{\*} & (0.135)   \\ 
\phantom{xx}Days\_worked,\_previous\_mo. & -0.003 & (1.473) & -0.007 & (2.934)   \\ 
\phantom{xx}Any\_wage\_income? & -0.054 & (0.053) & -0.114 & (0.112)   \\ 
\phantom{xx}\emph{asinh}\_wage\_income & -0.738 & (0.463) & -1.561 & (0.985)   \\ 
if spouse_of_applicant
\phantom{xx}Worked\_in\_past\_6\_months? & -0.317 & (0.247) & -0.412 & (0.321)   \\ 
\phantom{xx}Days\_worked,\_previous\_mo. & 1.371 & (3.009) & 1.866 & (3.912)   \\ 
\phantom{xx}Any\_wage\_income? & -0.254 & (0.240) & -0.330 & (0.307)   \\ 
\phantom{xx}\emph{asinh}\_wage\_income & -2.820 & (2.219) & -3.663 & (2.817)   \\ 

------------------------------------------------

------------------------------------------------

APPENDIX TABLE 8: APPLICANT EFFECTS: DECISIONS, controlling for gender of respondent in parametric regressions

 Outcome & Param ITT & se & Param TOT & se & Nonparam ITT & se & Nonparam TOT & se \\  

if applicant
\phantom{xx}Decisions:\_\emph{childcare} & -0.080 & (0.055) & -0.166 & (0.113) & -0.079 & (0.107) & -0.175 & (0.237) \\ 
\phantom{xx}Decisions:\_\emph{home\_repairs} & -0.023 & (0.057) & -0.048 & (0.116) & -0.094 & (0.108) & -0.205 & (0.239) \\ 
\phantom{xx}Decisions:\_\emph{major\_purchases} & -0.088 & (0.056) & -0.181 & (0.115) & -0.137\sym{**} & (0.062) & -0.285\sym{**} & (0.129) \\ 
\phantom{xx}Decisions:\_\emph{entrepreneurship} & -0.102\sym{\*} & (0.058) & -0.211\sym{\*} & (0.120) & -0.081 & (0.111) & -0.177 & (0.245) \\ 
\phantom{xx}Decisions:\_\emph{weekend\_activities} & -0.128\sym{**} & (0.056) & -0.264\sym{**} & (0.116) & -0.153\sym{**} & (0.060) & -0.318\sym{**} & (0.126) \\ 
if applicant & applicant_married
using -ivreg- to estimate due to failure of -suest-
\phantom{xx}Decisions:\_\emph{childcare} & -0.210\sym{**} & (0.084) & -0.467\sym{**} & (0.203) & -0.307\sym{***} & (0.087) & -0.635\sym{***} & (0.212) \\ 
\phantom{xx}Decisions:\_\emph{home\_repairs} & -0.132 & (0.087) & -0.295 & (0.197) & -0.246 & (0.165) & -0.582 & (0.446) \\ 
\phantom{xx}Decisions:\_\emph{major\_purchases} & -0.256\sym{***} & (0.086) & -0.571\sym{***} & (0.211) & -0.280\sym{***} & (0.091) & -0.579\sym{***} & (0.214) \\ 
\phantom{xx}Decisions:\_\emph{entrepreneurship} & -0.264\sym{***} & (0.088) & -0.589\sym{***} & (0.215) & -0.183 & (0.164) & -0.432 & (0.406) \\ 
\phantom{xx}Decisions:\_\emph{weekend\_activities} & -0.265\sym{***} & (0.086) & -0.591\sym{***} & (0.208) & -0.307\sym{***} & (0.090) & -0.635\sym{***} & (0.208) \\ 
if applicant & !applicant_married
\phantom{xx}Decisions:\_\emph{childcare} & 0.042 & (0.074) & 0.081 & (0.142) & 0.116 & (0.133) & 0.242 & (0.290) \\ 
\phantom{xx}Decisions:\_\emph{home\_repairs} & 0.067 & (0.075) & 0.130 & (0.146) & 0.021 & (0.136) & 0.043 & (0.282) \\ 
\phantom{xx}Decisions:\_\emph{major\_purchases} & 0.053 & (0.075) & 0.102 & (0.147) & 0.001 & (0.142) & 0.001 & (0.294) \\ 
\phantom{xx}Decisions:\_\emph{entrepreneurship} & 0.024 & (0.077) & 0.046 & (0.148) & -0.004 & (0.144) & -0.009 & (0.295) \\ 
\phantom{xx}Decisions:\_\emph{weekend\_activities} & 0.003 & (0.074) & 0.006 & (0.142) & 0.057 & (0.137) & 0.120 & (0.294) \\ 

------------------------------------------------

------------------------------------------------

APPENDIX TABLE 9: GELBACH DECOMPOSITION: EXPENDITURE (DECOMP BY HH COMPOSITION INSTEAD OF DECISION-MAKING)

 Outcome & Delta1 & se & Delta2 & se & Delta3 & se  \\  

if hh_data
\emph{asinh}\_Expenditures:\_Total & 0.033\sym{***} & (0.009) & -0.026\sym{**} & (0.011) & 0.000 & (0.019)  \\ 
\phantom{xx}Food & 0.010\sym{***} & (0.003) & -0.020\sym{**} & (0.008) & 0.007 & (0.022)  \\ 
\phantom{xx}Quality\_of\_life & 0.043\sym{***} & (0.011) & -0.028\sym{**} & (0.012) & -0.005 & (0.017)  \\ 
\phantom{xx}Educ.\_\&\_health & 0.071\sym{***} & (0.019) & -0.035\sym{**} & (0.014) & 0.133 & (0.083)  \\ 
\phantom{xx}Durables & 0.132\sym{***} & (0.035) & -0.099\sym{**} & (0.040) & -0.008 & (0.029)  \\ 
\emph{asinh}\_Savings & 0.189\sym{***} & (0.049) & -0.160\sym{**} & (0.065) & 0.006 & (0.050)  \\ 
Borrowed\_from\_family\_for\_business? & -0.022\sym{***} & (0.006) & 0.000\sym{**} & (0.000) & 0.005 & (0.005)  \\ 
Borrowed\_from\_non-family\_for\_business? & -0.011\sym{***} & (0.003) & 0.002\sym{**} & (0.001) & 0.002 & (0.005)  \\ 
Borrowed\_from\_family\_for\_non-bus.? & -0.003\sym{***} & (0.001) & 0.003\sym{**} & (0.001) & -0.001 & (0.001)  \\ 
Borrowed\_from\_non-family\_for\_non-business? & -0.009\sym{***} & (0.002) & -0.011\sym{**} & (0.005) & 0.004 & (0.003)  \\ 
if hh_data & applicant_married
\emph{asinh}\_Expenditures:\_Total & 0.056\sym{**} & (0.023) & -0.049\sym{***} & (0.017) & 0.026 & (0.033)  \\ 
\phantom{xx}Food & 0.047\sym{**} & (0.019) & -0.033\sym{***} & (0.012) & 0.032 & (0.044)  \\ 
\phantom{xx}Quality\_of\_life & 0.071\sym{**} & (0.029) & -0.058\sym{***} & (0.020) & 0.020 & (0.024)  \\ 
\phantom{xx}Educ.\_\&\_health & 0.039\sym{**} & (0.016) & -0.110\sym{***} & (0.039) & 0.114 & (0.140)  \\ 
\phantom{xx}Durables & 0.232\sym{**} & (0.094) & -0.246\sym{***} & (0.087) & -0.085\sym{\*} & (0.050)  \\ 
\emph{asinh}\_Savings & 0.151\sym{**} & (0.061) & -0.293\sym{***} & (0.104) & -0.005 & (0.081)  \\ 
Borrowed\_from\_family\_for\_business? & -0.031\sym{**} & (0.013) & -0.002\sym{***} & (0.001) & -0.006 & (0.007)  \\ 
Borrowed\_from\_non-family\_for\_business? & -0.003\sym{**} & (0.001) & 0.001\sym{***} & (0.000) & 0.000 & (0.003)  \\ 
Borrowed\_from\_family\_for\_non-bus.? & -0.006\sym{**} & (0.003) & 0.006\sym{***} & (0.002) & 0.002 & (0.003)  \\ 
Borrowed\_from\_non-family\_for\_non-business? & -0.010\sym{**} & (0.004) & -0.017\sym{***} & (0.006) & -0.001 & (0.004)  \\ 
if hh_data & !applicant_married
\emph{asinh}\_Expenditures:\_Total & 0.011\sym{***} & (0.004) & -0.007 & (0.013) & -0.022 & (0.025)  \\ 
\phantom{xx}Food & -0.021\sym{***} & (0.008) & -0.007 & (0.012) & 0.008 & (0.025)  \\ 
\phantom{xx}Quality\_of\_life & 0.014\sym{***} & (0.005) & -0.007 & (0.013) & -0.034 & (0.030)  \\ 
\phantom{xx}Educ.\_\&\_health & 0.077\sym{***} & (0.028) & 0.000 & (0.000) & 0.085 & (0.097)  \\ 
\phantom{xx}Durables & 0.045\sym{***} & (0.016) & -0.017 & (0.030) & 0.019 & (0.060)  \\ 
\emph{asinh}\_Savings & 0.181\sym{***} & (0.065) & -0.042 & (0.074) & 0.013 & (0.061)  \\ 
Borrowed\_from\_family\_for\_business? & -0.014\sym{***} & (0.005) & 0.001 & (0.001) & 0.014 & (0.008)  \\ 
Borrowed\_from\_non-family\_for\_business? & -0.016\sym{***} & (0.006) & 0.001 & (0.002) & -0.003 & (0.010)  \\ 
Borrowed\_from\_family\_for\_non-bus.? & -0.001\sym{***} & (0.000) & 0.001 & (0.002) & -0.002\sym{**} & (0.001)  \\ 
Borrowed\_from\_non-family\_for\_non-business? & -0.008\sym{***} & (0.003) & -0.004 & (0.006) & 0.010 & (0.006)  \\ 

------------------------------------------------
